Individual factoring for freelancers, micro companies andSMEs

Welcome to the better world

Automated factoring for SMEs

Over 70% of SMEs are rejected by banks and traditional factoring companies due to old and inaccurate eligibility criteria for financing. We’re embracing the reality of small business owners and providing them working capital they need through fast and automated online system.

SMEs don't have access to working capital

of all business in Europe are SMEs

of them applied for credit in the last year

%

of SMEs are rejected due to eligibility criteria for financing

%

of freelancers see access to finance as their biggest obstacle

We provide lending solution for SMEs

Better than everyone

We developed a credit scoring system mixing both manual processes, traditional scoring algorithms and alternative data sources. Our scoring algorithm uses more than 10,000 data points to understand SMEs and make the right decision.

Amazing online experience

We don’t waste the time of SMEs. Finiata was designed to impress visually but also to make the whole application process digital, fast and as simple as possible.

Automated decisions

In just a couple of minutes, our system knows everything about the applicant. We pull data not only from public sources but also from banks and debt registers. We feed our engine with behavioural data and some secret ingredients only we know how to get.

Immediate payout

Once the decision is made the money is already on the way to our customer. We use the fastest available transfer facilitates to make sure our customer gets the money now, not later.

We love our customers and the love us back

Trusted and used by more than
10 000 SMEs in EU

We developed a credit scoring system mixing both manual processes, traditional scoring algorithms and alternative data sources. Our scoring algorithm uses more than 10,000 data points to understand SMEs and make the right decision.

"My company struggled to survive on the market were 90 days payment terms are standard. Thanks to Finiata we can easily plan our next growth project”

Creative Agency from Warsaw / Poland

"I tried several times to get a loan in the bank to improve my cash flow. I was refused as my income is not stable and invoices are being paid late. Thanks to Finiata I have access to immediate payments for my invoices and can better compete with others”

Production Company, Frankfurt / Germany

"Paying taxes and salaries on time is not easy when your contractors are being late with payments. Finiata provides us with a capital so we don't have to worry when the end of the month comes.”

Manufacturer Company, Wroclaw / Poland

Supported by winners

They know we’re onto
something huge

Founded by doers

You definitely know them already!

Sebastian Diemer

Founder / CEO

Kenan Deniz

Founder / CTO

Ingmar Stupp

COO

We’re all over the place

We're happy to get in touch!

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